Call reports 2025
HOME STATE BANK — 2025
What HOME STATE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 444,096,000 | 443,135,000 | 462,539,000 | 460,238,000 |
| Total loans | 351,280,000 | 354,683,000 | 370,218,000 | 371,422,000 |
| Allowance for loan losses | 4,527,000 | 4,677,000 | 5,027,000 | 5,775,000 |
| Securities available for sale | 45,702,000 | 44,610,000 | 46,898,000 | 48,694,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 404,121,000 | 402,564,000 | 420,030,000 | 417,530,000 |
| Interest-bearing deposits | 317,374,000 | 315,561,000 | 336,566,000 | 326,140,000 |
| Noninterest-bearing deposits | 86,747,000 | 87,003,000 | 83,464,000 | 91,390,000 |
| Equity capital | 37,945,000 | 38,331,000 | 40,205,000 | 40,675,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 6,457,000 | 13,321,000 | 20,312,000 | 26,955,000 |
| Interest expense | 2,671,000 | 5,486,000 | 8,266,000 | 11,082,000 |
| Net interest income | 3,786,000 | 7,835,000 | 12,046,000 | 15,873,000 |
| Noninterest income | 822,000 | 1,446,000 | 2,269,000 | 3,079,000 |
| Noninterest expense | 3,106,000 | 6,188,000 | 9,364,000 | 12,115,000 |
| Provision for loan losses | 150,000 | 300,000 | 650,000 | 1,600,000 |
| Pretax income | 1,352,000 | 2,793,000 | 4,301,000 | 5,237,000 |
| Income tax | 56,000 | 114,000 | 177,000 | 216,000 |
| Net income | 1,296,000 | 2,679,000 | 4,124,000 | 5,021,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,450,000 | 41,140,000 | 41,892,000 | 42,095,000 |
| Total capital | 44,977,000 | 45,817,000 | 46,919,000 | 47,334,000 |
| Risk-weighted assets | 395,829,000 | 395,287,000 | 414,020,000 | 418,652,000 |